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Wednesday, April 23, 2025

Diving Deep into the DAR-World Bank Project SPLIT: Empowering Farmers Through Individual Land Titles

The Department of Agrarian Reform-World Bank Project SPLIT (Support to Parcelization of Lands for Individual Titling Project) is a landmark initiative in the Philippines' agrarian reform landscape. It represents a concerted effort by the Department of Agrarian Reform (DAR), with crucial financial and technical assistance from the World Bank, to address a long-standing challenge associated with the Comprehensive Agrarian Reform Program (CARP): the prevalence of Collective Certificates of Land Ownership Award (CCLOAs).

To fully understand Project SPLIT, it's essential to delve into the context of CCLOAs, the problems they pose, and how this project aims to provide a more empowering solution through individual land titles.

Understanding Collective CLOAs: Under CARP, land ownership was often granted to a group of agrarian reform beneficiaries (ARBs) collectively, rather than issuing individual titles for specific parcels. While this approach facilitated the initial distribution of land, it inadvertently created several complexities and limitations for the ARBs in the long run.

The Challenges Posed by Collective CLOAs: Internal Disputes and Boundary Issues: Without clearly defined individual boundaries within the collective title, disagreements and conflicts among co-owners regarding land use, inheritance, and responsibilities often arose.

Limited Access to Credit and Financial Services: Financial institutions are generally hesitant to accept collectively owned land as collateral for loans. This significantly hampered the ability of ARBs to access crucial capital for farm improvements, purchase equipment, or weather financial hardships.

Difficulties in Availing Government Programs: Many government agricultural support programs and subsidies require individual land titles as a prerequisite for eligibility, effectively excluding ARBs with collective titles.

Constraints on Land Transfer and Inheritance: Transferring or inheriting shares in a collectively owned land title can be a complex and often contentious process, hindering the smooth transition of land to the next generation.

Reduced Incentive for Individual Investment: When ownership and benefits are shared, individual ARBs may be less motivated to invest in long-term improvements or adopt innovative farming techniques on their specific portion of the land.

Exclusion of Rightful Heirs: Over time, the original set of beneficiaries might pass away, and including their rightful heirs in the collective ownership structure often becomes administratively burdensome, sometimes leading to the exclusion of legitimate claimants.

Project SPLIT: The Solution Through Individual Titling

Recognizing these significant drawbacks, the Philippine government, through the DAR, sought a comprehensive solution. This led to the conceptualization and implementation of Project SPLIT, with the invaluable support of the World Bank. The core objective of Project SPLIT is to parcelize or subdivide these existing collective CLOAs into individual land titles, thereby empowering the ARBs with clear and distinct ownership of specific portions of land.

Key Components and Processes of Project SPLIT:

Project SPLIT is a complex undertaking that involves several critical stages:

1.  Identification and Validation of CCLOAs: The initial phase involves identifying all existing CCLOAs nationwide and verifying their status and the list of original beneficiaries.

2.  Ground Survey and Parcelization: This is a crucial technical stage where geodetic engineers conduct detailed surveys of the land covered by each CCLOA, if the land has not yet been subdivided. Based on factors like the original allocation, existing land use, and agreements among the beneficiaries, the land is subdivided into individual parcels with clearly defined boundaries.

3.  Documentation and Titling: Once the parcels are surveyed, the necessary legal documentation is prepared for the issuance of individual Certificates of Land Ownership Award (CLOAs) or electronic titles (e-Titles). This involves rigorous verification processes to ensure accuracy and prevent fraudulent claims.

4.  Generation and Distribution of Individual Titles: The newly generated individual titles, often in the form of secure and easily transferable e-Titles, are then distributed to the rightful ARBs. This process is often conducted in coordination with local government units and community organizations.

5.  Information and Education Campaigns: Alongside the titling process, DAR conducts information and education campaigns to ensure that ARBs understand their rights and responsibilities as individual landowners. This includes guidance on land management, membership to agrarian reform beneficiaries’ organizations (ARBOs), accessing support services, and avoiding potential pitfalls.

6.  Strengthening Institutional Capacity: Project SPLIT also aims to enhance the capacity of the DAR in land administration, surveying, and titling processes to ensure the sustainability of individual titling efforts beyond the project’s lifespan.

The Expected Impact and Benefits of Project SPLIT

The successful implementation of Project SPLIT is expected to yield significant positive impacts for the agrarian reform beneficiaries and the broader agricultural sector, such as:

Enhanced Tenure Security: Individual titles provide ARBs with undisputed ownership, fostering a greater sense of security and control over their land.

Improved Access to Credit and Financial Services: With individual titles, farmers can readily use their land as collateral to access loans from formal financial institutions, enabling them to invest in farm improvements and other income-generating activities.

Increased Participation in Government Programs: Individual landowners become eligible for a wider range of government agricultural support programs, such as subsidies, training, and infrastructure development.

Facilitated Land Transfer and Inheritance: Individual titles simplify the process of transferring land to heirs, ensuring the continuity of land ownership within families.

Greater Incentive for Investment and Productivity: Secure and individual ownership encourages farmers to invest in sustainable farming practices, adopt modern technologies, and cultivate high-value crops, leading to increased productivity and income.

Reduced Land Disputes and Improved Community Relations: Clearly defined boundaries and individual ownership minimize the potential for conflicts and promote more harmonious relationships within agrarian communities.

Empowerment and Dignity: Owning a piece of land individually provides farmers with a greater sense of empowerment, dignity, and control over their own destinies.

Current Status and Challenges

Project SPLIT is a multi-year undertaking that commenced in 2021 and is currently in its implementation phase. While significant progress has been made in various provinces across the Philippines, including the ongoing efforts in regions like Cagayan Valley, the project faces inherent challenges due to the sheer scale of the task, including:

Complex Surveying and Validation: Accurately surveying and validating the boundaries and rightful beneficiaries for numerous CCLOAs requires significant time and resources.

Logistical and Administrative Hurdles: Managing the vast amount of documentation and coordinating with various stakeholders at the national and local levels presents logistical and administrative complexities.

Potential for Conflicts and Disputes: While the project aims to resolve disputes, the parcelization process itself can sometimes trigger new disagreements among beneficiaries regarding the subdivision of land.

Ensuring Sustainability: Building the long-term capacity of DAR to continue individual titling efforts beyond the project's timeline is crucial for lasting impact

The DAR-World Bank Project SPLIT represents a crucial step forward in strengthening agrarian reform in the Philippines. By addressing the limitations of collective land ownership through the provision of individual titles, the project aims to unlock the full potential of agrarian reform beneficiaries, fostering greater economic empowerment, social stability, and agricultural productivity in rural communities across the nation, including areas like Solana for instance, and the wider Cagayan Valley region. While challenges remain, the commitment of the DAR and the support of the World Bank offer a promising pathway towards a more equitable and prosperous future for Filipino farmers.

Ensuring Accuracy and Transparency: The Field Validation Process of CLOAs and ARBs in Cagayan and Batanes.

The Department of Agrarian Reform (DAR), in partnership with the World Bank, is implementing the Support to Parcelization of Lands for Individual Titling (SPLIT) Project, a groundbreaking initiative designed to issue individual titles for agrarian reform beneficiaries (ARBs). But before these land titles can be awarded, a critical step takes place—Field Validation.

In Cagayan and Batanes, Field Validation Teams (FVTs) are at the forefront of ensuring that the records of land distribution and the identities of ARBs are correct. This detailed process ensures that the land being titled corresponds accurately to the rightful beneficiaries, fostering transparency, equity, and trust within communities. The work of the FVTs plays a pivotal role in the success of the SPLIT Project, which is already making strides in uplifting the livelihoods of agrarian reform beneficiaries across the region.

The Purpose of Field Validation

Field validation is the key process of confirming the accuracy and completeness of the Certificates of Land Ownership Award (CLOAs) issued to land reform beneficiaries. In simple terms, the process ensures that:

1. The Correct Beneficiary is Identified: The validation confirms that the CLOA holders are the rightful owners of the land.

2. Land Boundaries Are Clear: The land in question is mapped and correctly allocated to the designated beneficiary.

3. No Overlaps or Disputes: The team checks for potential conflicts over land ownership and ensures that land areas are not claimed by multiple people.

4. All Documents Are In Order: Field teams verify that all supporting documents, such as previous land surveys and reports, are accurate and up-to-date.

For the DAR, this is an essential step before the actual titling process can begin. It serves as a safeguard, preventing future land disputes that could undermine the spirit of agrarian reform.

The Field Validation Teams at Work

The Field Validation Teams (FVTs) are composed of Contract-Of-Service (COS) personnel, technical experts such as legal officers, geodetic engineers, etc., all equipped with a deep understanding of pertinent laws, policies, and mapping tools. Their job is to physically visit the land in question, conduct surveys, and interview the ARBs and local residents to gather firsthand information for the parcelization, the environmental and social safeguards, etc.

These teams are often dealing with diverse terrain, from the coastal areas of Cagayan and Batanes to the fertile plains of the same. This complexity requires precise navigation, a keen eye for detail, and patience, especially since many areas are remote and difficult to access.

Key Steps in the Field Validation Process:

1. Initial Surveying and Mapping: Surveyors first gather existing maps and records from the land titling process. This involves reviewing the boundaries of the collective CLOAs and identifying the areas that need further validation.

2. Site Visits: The FVT travels to the barangays, meeting with ARBs and local stakeholders. During these visits, the teams cross-check land boundaries, confirm the identities of the ARBs, and identify any disputes or concerns about land ownership. They also take note of the condition of the land and any changes in its use or ownership over time.

3. Interviews and Community Consultation: One of the most important parts of the field validation is the community consultation. The team interviews local farmers, barangay officials, and other key figures to gather testimonies and historical accounts that will help clarify any uncertainties.

4. Dispute Resolution: In some cases, the FVT encounters conflicting claims on land ownership. These situations require careful negotiation and documentation. If necessary, the team works with the legal offices of DAR to mediate and resolve conflicts. This ensures that the final titling process is fair and transparent.

5. Verification of Documents: The FVT also examines official records, including the original CLOAs, cadastral surveys, and other pertinent documents, to ensure they align with the physical conditions on the ground.

6. Data Recording and Reporting: After completing the on-the-ground validation, the FVT compiles a detailed report. This report includes all findings, land measurements, beneficiary confirmations, and any issues requiring resolution. The report is submitted to the DAR provincial office, which will then proceed with the next steps of the titling process.

The Impact on Cagayan and Batanes agrarian reform beneficiaries (ARBs)

The field validation process has profound effects on the farmers and communities in Cagayan and Batanes. For many ARBs, receiving an individual land title is more than just a legal formality—it is a pathway to increased security and opportunity.

Moreover, by ensuring that land titles are issued correctly, the SPLIT project minimizes the risk of future conflicts and promotes land tenure security. Farmers are more likely to access credit, government programs, and agricultural resources when they have legal proof of ownership, leading to better agricultural practices and more sustainable farming methods.

A Transparent and Participatory Process

The success of the SPLIT project lies not only in its technical execution but also in its inclusive and transparent nature. By engaging local communities, the FVTs foster a sense of ownership and trust. Farmers, local officials, and community leaders are not passive recipients of change—they are active participants in ensuring the success of the titling process.

Through this collaborative approach, the SPLIT project is strengthening the very foundations of agrarian reform. By securing land rights, the project is not only improving the livelihoods of farmers but also enhancing the social fabric of rural communities.

As the field validation process continues across Cagayan and Batanes, the SPLIT project remains committed to ensuring that the land rights of every ARB are respected and upheld. Through careful validation, consultation, and conflict resolution, the project is making significant strides in promoting equitable and transparent land ownership in the region.

For the farmers of Cagayan and Batanes, the road to individual land titles may be long and challenging, but with each successful validation, they are one step closer to a more secure and prosperous future.

A New Chapter Unfolds: Cagayan Farmers Receive Digital Keys to Their Land Under Project SPLIT

Solana, Cagayan, December 9, 2024 – A palpable sense of hope and anticipation filled the air in this town as 581 agrarian reform beneficiaries (ARBs) from across Cagayan province gathered to receive their long-awaited 981 electronic Certificates of Land Ownership Award (e-Titles), covering around 728 hectares of rice and corn lands under the Department of Agrarian Reform (DAR)-World Bank supported Project SPLIT (Support to Parcelization of Lands for Individual Titling). This momentous occasion marks a significant stride towards providing individual and secure land ownership, promising a future filled with greater opportunities and empowerment for these hardworking farmers.

For generations, many ARBs in Cagayan have held collective CLOAs, a system that, while initially intended to distribute land, often led to complexities in land management, access to credit, and inter-generational transfer. Project SPLIT, a collaborative endeavor between the DAR and the World Bank, aims to rectify this by subdividing these collective titles into individual ones, granting farmers clear and distinct ownership of their respective parcels.

The event saw beaming farmers proudly holding their e-Titles, tangible proof of their individual ownership. Unlike traditional paper titles, these digital documents offer enhanced security, ease of transfer (in the future, following legal processes), and streamlined record-keeping. The transition to e-Titles is a testament to the government’s commitment to modernizing land administration and ensuring the integrity of land ownership records.

“This e-Title is more than just a piece of paper, or in this case, a digital file,” exclaimed Aling Maria, a rice farmer from Solana, her voice thick with emotion as she clutched the printed confirmation of her e-Title. “For years, we shared the land with many families. It was often difficult to agree on things, and getting a loan was almost impossible. Now, this is ours. We can finally plan for our future, invest in our farm, and leave a clear inheritance for our children.”

The distribution event was graced by Senator Imee R. Marcos along with key officials from the DAR headed by Secretary Conrado Estrella III, who was represented by ASEC Eugene P. Follante, also present were representatives from national government agencies and local government units (LGUs) who reiterated their commitment to the success of Project SPLIT. Senator Imee Marcos her message emphasized the transformative potential of individual titling. “Project SPLIT is not just about dividing land; it’s about empowering individuals,” she stated. “By providing secure and individual ownership, we are unlocking the potential of our farmers to become more productive, access vital resources, and contribute significantly to the agricultural development of Cagayan Valley.”

The process of generating these e-Titles under Project SPLIT involves meticulous surveying, validation, and the use of advanced technology to ensure accuracy and efficiency. Geodetic engineers and DAR personnel have been working tirelessly on the ground, delineating boundaries and ensuring that the individual titles accurately reflect the landholdings of the beneficiaries.

Beyond the distribution of e-Titles, the DAR is also actively providing crucial support services to the ARBs. These include training on modern farming techniques, access to credit facilities, and linkages to markets, ensuring that the newly empowered landowners have the resources they need to thrive.

The awarding ceremony in Solana, Cagayan, is just one of many such events planned across the Philippines under Project SPLIT. The initiative aims to cover a vast expanse of land under collective CLOAs, impacting the lives of hundreds of thousands of ARBs nationwide.

For the farmers of Cagayan, the day marked not just the receipt of a digital document, but the dawn of a new era. With individual ownership secured through Project SPLIT e-Titles, they can now look forward to a future with greater security, enhanced opportunities, and the well-deserved fruits of their labor belonging solely to them and their families. The digital keys they received today have unlocked a world of possibilities, paving the way for a more prosperous and sustainable agricultural landscape in the fertile plains of Cagayan Valley.


















Video link of Distribution of Certificates of Condonation with Release of Mortgage (CoCRoM), EP/C

Click to open Link to PIA webpage... 


Monday, June 22, 2026

RA 11901 unlocks bigger, flexible bank loans for rural MSMEs and agri-businesses.

Imagine you are given a bicycle so you can go to school. That's good—but what if you don't have
money for repairs, fuel for a motorbike, or safety gear? The bicycle alone may not be enough.

The same is true for farmers. Giving them land is important, but they also need money, training, equipment, and support to make their farms productive.

That is what Republic Act No. 11901, or the Agriculture, Fisheries and Rural Development Financing Enhancement Act of 2022, tries to do. It helps farmers, fisherfolk, and agrarian reform beneficiaries (ARBs) gain better access to loans and financial services so they can improve their livelihoods.

What does the law require?

Banks are encouraged and required to support agriculture, fisheries, and rural development by providing financing for:

  • Farming and fishing activities
  • Farm machinery and equipment
  • Food processing and marketing
  • Rural businesses
  • Modern technologies and digital agriculture
  • Environmental and climate-friendly projects

What happens if banks do not comply?

If banks fail to meet the required financing targets, they must pay penalties. Instead of letting the money sit idle, the law creates a Special Fund from these penalties.

Why does DAR receive 35% of the Special Fund?

Many farmers under agrarian reform were given land through a Collective Certificate of Land Ownership Award (Collective CLOA). This means a large piece of land was awarded to a group of farmers. Think of it like five siblings inheriting one big cake without clearly marking each person's slice.

This can create problems:

  • Unclear boundaries
  • Disagreements among owners
  • Difficulty obtaining loans
  • Complicated land records

To solve this, DAR divides the land into clearly defined individual parcels and issues individual titles to each farmer. This process is called parcelization and titling.

Because this work is expensive, RA 11901 provides that 35% of the Special Fund shall be allocated to DAR for the titling and parcelization of landholdings covered by collective CLOAs. 

With individual titles:

  • Farmers know exactly which land is theirs.
  • Land disputes are reduced.
  • Government services are easier to deliver.
  • Farmers may find it easier to access formal financing.  
 RA 11901 helps farmers, fisherfolk, and rural communities obtain financing, and it uses part of the penalties paid by non-compliant banks to help DAR give individual land titles to agrarian reform beneficiaries through the parcelization of collective CLOAs.

The DAR Project SPLIT (Support to Parcelization of Lands for Individual Titling) is a World Bank-funded initiative to subdivide collective land titles into individual Electronic Titles (e-Titles) for farmer-beneficiaries. RA 11901 (Agriculture, Fisheries, and Rural Development Financing Enhancement Act) supports this by allocating a portion of agricultural loan funds directly to the DAR for this titling process. 

Republic Act No. 11901 and DAR Project SPLIT are complementary Philippine government initiatives designed to uplift agrarian reform beneficiaries (ARBs), but they operate through completely different mechanisms: RA 11901 handles financial credit and bank compliance, while Project SPLIT focuses on land titling and property subdivision.
Republic Act No. 11901 (The Financing Pillar)
Lapsed into law on July 28, 2022, RA 11901 repealed the old Agri-Agra Reform Credit Act of 2009 (RA 10000). It restructures how the banking sector provides financial support to rural communities. 
  • The 25% Quota: All banking institutions must allocate at least 25% of their total loanable funds to agriculture, fisheries, and rural development. 
  • Flexibility for Banks: It removes the rigid split from the old law (10% agrarian reform, 15% agricultural credit). Banks can now invest across the whole value chain, including agri-tourism, rural infrastructure, and green finance. 
  • Penalty Reallocation: Banks that fail to meet the 25% credit quota face penalties from the BSP. A portion of these collected penalty funds is legally channeled to help fund DAR's land titling programs. 
DAR Project SPLIT (The Land Ownership Pillar)
Project SPLIT is an active field project implemented by the DAR to resolve legal and operational vulnerabilities created by decades-old land policies.
  • Parcelization: It breaks down Collective Certificates of Land Ownership Award (CCLOAs). In the past, groups of farmers were given a single shared title; Project SPLIT subdivides this land so each farmer gets an individual electronic title (e-Title). 
  • Economic Security: Holding an individual title provides ARBs clear property rights. This eliminates boundary disputes and gives farmers total control over their plot. 
  • Collateral Creation: Landowners cannot easily use a collective title to secure credit. Individual titles turn land into a legal asset that can be leveraged for production support.
How They Intersect
These two initiatives form a legal and economic cycle that directly empowers smallholder farmers. 
  1. SPLIT gives the asset: Through DAR Project SPLIT, a farmer transitions from co-owning a massive block of land to holding an individual, legal e-Title. 
  2. RA 11901 unlocks the capital: With an individual land title in hand, the farmer becomes a viable, low-risk borrower for banks looking to fulfill their mandatory 25% lending quota under RA 11901. 
  3. Funding the pipeline: The operational costs of running Project SPLIT's extensive mapping and surveying are supported in part by the bank compliance penalties collected through RA 11901.


Thursday, April 30, 2026

Breaking Ground, One Title at a Time: Inside the Philippines’ SPLIT Project Push

Manila, Philippines - Deep in the countryside, where land is both livelihood and legacy, a quiet transformation is underway. The Philippine government, with support from the World Bank, is accelerating efforts to untangle decades-old land ownership issues through the Support to Parcelization of Lands for Individual Titling (SPLIT) Project, a reform initiative that aims to put clear land titles directly into the hands of farmers.

At stake is more than paperwork. For thousands of Agrarian Reform Beneficiaries (ARBs), the shift from collective to individual land titles represents a long-awaited step toward true ownership, economic security, and independence.

From Shared Titles to Individual Ownership

For years, many farmers held collective Certificates of Land Ownership Award (CLOAs), documents that grouped multiple beneficiaries under a single land title. While intended to streamline agrarian reform, these collective titles often led to disputes, unclear boundaries, and limited economic use of the land.

The SPLIT Project seeks to resolve this by subdividing collective CLOAs into individual titles, giving each farmer a clearly defined parcel. The logic is straightforward: when ownership is clear, farmers are more likely to invest in their land, access credit, and increase productivity.

Progress with Caution

According to the latest World Bank implementation report, the project is making “moderately satisfactory” progress—a rating that reflects steady gains, but also acknowledges ongoing hurdles.

Field operations have expanded, and parcelization efforts are moving forward across multiple regions. Yet the pace remains uneven. Surveying challenges, documentation gaps, and coordination issues among implementing agencies continue to slow down full-scale rollout.

Despite these constraints, the momentum is notable. Compared to earlier phases marked by delays, the project has shown measurable improvement in execution and output delivery.

Risks Beneath the Surface

The report underscores a persistent reality: agrarian reform is inherently complex. The SPLIT Project continues to operate under a “substantial risk” environment, shaped by factors such as:

  • Overlapping land claims and legal disputes
  • Fragmented land records and outdated documentation
  • Institutional coordination gaps among government agencies
  • Capacity limitations in field-level implementation

These are not new problems, but they remain deeply embedded in the system, requiring more than technical fixes.

Beyond Titles: The Bigger Rural Question

While land titling is a critical milestone, experts caution that it is only one piece of a larger rural development puzzle. Ownership alone does not guarantee higher incomes.

Farmers still need access to credit, farm-to-market roads, irrigation, and extension services. Without these, the economic promise of land ownership may remain unrealized.

Still, securing individual titles is widely seen as a foundational reform—one that can unlock broader opportunities when paired with sustained government support.

A Reform That Tests Governance

More than a land project, SPLIT has become a test of institutional coordination and governance. Its success depends not just on surveying land, but on aligning agencies, resolving disputes, and maintaining data integrity across thousands of parcels.

In this sense, the project reflects a deeper truth: agrarian reform is as much about systems as it is about soil.

Looking Ahead

As implementation continues, the challenge will be balancing speed and accuracy, ensuring that titles are issued efficiently without compromising legal soundness.

For now, the story of SPLIT is one of cautious progress. It is a reform moving forward, step by step, across fields and communities—reshaping land ownership in ways that could define the future of rural development in the Philippines.

And for the farmers waiting on the ground, each title released is more than a document. It is a promise, of clarity, of control, and of a more secure tomorrow.

Source: The World Bank Implementation & Results Report SPLIT Project 

Related article: Environmental and Social Dimensions of the SPLIT Project

Environmental and Social Dimensions of the SPLIT Project

Beneath the technical language of land surveys and cadastral mapping, the DAR-World Bank Support to Parcelization of Lands for Individual Titling (SPLIT) Project carries a quieter, more delicate responsibility—managing the environmental boundaries and human realities tied to land reform.

On the environmental side, the story is relatively straightforward. Unlike infrastructure projects that reshape landscapes, SPLIT operates with a light physical footprint. Its work happens largely on paper and through geospatial tools, subdividing land titles, validating boundaries, and formalizing ownership. The World Bank report reflects this, classifying environmental risks as low. There are no roads being carved through forests, no irrigation systems altering waterways. Yet the project still moves within a landscape governed by strict classifications. Each parcel must be carefully checked to ensure it does not overlap with protected areas or environmentally restricted zones. In this sense, environmental stewardship in SPLIT is less about mitigation and more about precision, making sure that what is titled is legally and ecologically appropriate.

The social dimension, however, tells a more complex and human story.

Here, the project enters contested ground. Land in the Philippines is not just an economic asset—it is tied to identity, inheritance, and long-standing community relationships. By breaking up collective CLOAs into individual titles, SPLIT is effectively redrawing not just property lines, but also social arrangements that have existed for years, sometimes decades.

This process creates both opportunity and tension.

For many Agrarian Reform Beneficiaries, individual titles represent long-awaited clarity. Ownership becomes tangible, enforceable, and potentially bankable. It opens the door to investment and gives farmers a stronger sense of control over their land. But the transition is not always seamless. Questions arise: Who is the rightful beneficiary? How should land be divided among heirs? What happens when records are incomplete or contested?

These are not merely technical issues—they are deeply personal disputes that can escalate if not handled carefully.

The report underscores the importance of validation and consultation, recognizing that accuracy alone is not enough; legitimacy must also be established in the eyes of the community. This is where the project’s grievance redress mechanisms come into play. They serve as pressure valves, allowing conflicts to surface and be addressed before they harden into larger disputes. Still, their effectiveness depends heavily on accessibility, transparency, and trust—factors that vary widely across regions.

Another layer of complexity lies in inclusion. Not all beneficiaries are equally visible in official records. Women, informal occupants, and heirs often face procedural hurdles that risk leaving them out of the final титling. The project must therefore work against the grain of incomplete data and social inequities to ensure that no rightful claimant is excluded.

What emerges from the report is a clear pattern: while environmental concerns are largely procedural, social risks are structural. They stem from the very nature of land reform—where correcting one set of ambiguities can expose another.

In the end, the Environmental and Social framework of the SPLIT Project reveals that success will not be measured solely by the number of titles issued. It will depend on whether those titles are accurate, inclusive, and accepted by the communities they are meant to serve.

Because in agrarian reform, the real challenge is not just defining land boundaries—it is navigating the human boundaries that come with them.

Source: The World Bank Implementation & Results Report SPLIT Project 

Related Article: Understanding the World Bank's Environmental and Social Safeguards

About World Bank Environmental and Social Standards

Wednesday, February 19, 2020

DAR-World Bank Project SPLIT to facilitate subdivision of collective to individual CLOAs for agrarian reform beneficiaries


Support to Parcelization of Lands to Individual Title (SPLIT), is a project that seeks to give farmer-beneficiaries covered under collective Certificates of Land Ownership Awards (cCLOA), the opportunity to have and own individual titles as evidence of ownership to the farmlot/s awarded to them under the agrarian reform program.

The recently approved Department of Agrarian Reform-World Bank (DAR-WB) SPLIT project is a loan package amounting to Php24 Billion which shall be used to subdivide the cCLOAs - about 1.38 million hectares, into individual land titles so that the agrarian reform beneficiaries (ARBs) may fully exercise their rights of ownership and possession over their landholding/s.

The issuance of CCLOAs has repercussion to the government as it could not collect taxes and amortization. The same can be said to many beneficiaries who are not engaged in collective farming. All these issues can be cured once these cCLOAs are split into individual titles, he said.

The project SPLIT also includes the acquisition for the DAR Provincial offices involved, of survey and other related equipment for the subdivision of each farm lot, four-wheel drive vehicles and motorcycles for the mobilization of DAR survey teams, including hiring of additional manpower. It also requires capability trainings due to advances in technology, such as on the use of new software/computer programs like the AutoCAD Google Earth (AGE) Mapping which is useful for the subdivision of individual land titles as it requires computing technical descriptions, conversion of coordinates, transporting KMZ files (used by Google Earth) to Andriod phones among others.

The DAR-WB SPLIT project is in response to President Rodrigo Roa Duterte’s order to the Department of Agrarian Reform (DAR) to conduct the survey and re-documentation of collective land titles to individual certificates of landownership awards (CLOAs). President Rodrigo R. Duterte requested the assistance of the World Bank in order to expedite the process of subdividing the lands covered by collective agrarian reform land titles. 




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